FS Bancorp Inc (FSBW) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
FS Bancorp Inc stock (FSBW) is currently trading at $39.15. FS Bancorp Inc PE ratio is 8.63. FS Bancorp Inc PS ratio (Price-to-Sales) is 1.95. Analyst consensus price target for FSBW is $46.50. WallStSmart rates FSBW as Moderate Buy.
- FSBW PE ratio analysis and historical PE chart
- FSBW PS ratio (Price-to-Sales) history and trend
- FSBW intrinsic value — DCF, Graham Number, EPV models
- FSBW stock price prediction 2025 2026 2027 2028 2029 2030
- FSBW fair value vs current price
- FSBW insider transactions and insider buying
- Is FSBW undervalued or overvalued?
- FS Bancorp Inc financial analysis — revenue, earnings, cash flow
- FSBW Piotroski F-Score and Altman Z-Score
- FSBW analyst price target and Smart Rating
FS Bancorp Inc
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FSBW Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · FS Bancorp Inc (FSBW)
FSBW trades at a significant discount to its Graham intrinsic value of $169.88, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
FS Bancorp Inc (FSBW) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
FS Bancorp Inc (FSBW) Key Strengths (6)
Keeps $32 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $23 of every $100 in revenue as net profit
Paying $1.95 for every $1 of annual revenue
Strong earnings growth at 20.50% per year
67.39% held by institutions, strong professional interest
Supporting Valuation Data
FS Bancorp Inc (FSBW) Areas to Watch (3)
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 6.40%
Moderate profitability with room for improvement
FS Bancorp Inc (FSBW) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Sales (1.95), Price/Book (0.90) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.30%, Profit Margin at 23.30%. Growth metrics are encouraging with EPS Growth at 20.50%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth, Return on Equity. Growth concerns include Revenue Growth at 6.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Market Cap, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FSBW Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FSBW's Price-to-Sales ratio of 1.95x trades 47% below its historical average of 3.64x (31th percentile). The current valuation is 73% below its historical high of 7.2x set in Nov 2017, and 52% above its historical low of 1.28x in Apr 2024. Over the past 12 months, the PS ratio has expanded from ~1.4x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for FS Bancorp Inc (FSBW) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
FS Bancorp Inc is a mature, profitable business with steady cash generation. Revenue reached 143M with 6% growth year-over-year. Profit margins are strong at 23.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1110.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 23.3% and operating margin of 32.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 297.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 141M is significantly higher than cash (14M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact FS Bancorp Inc.
Bottom Line
FS Bancorp Inc is a well-established business delivering consistent profitability with 23.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(15 last 3 months)
| Insider | Type | Shares |
|---|---|---|
JARMAN, VICTORIA CHR & WOW! Officer, EVP | Buy | +89 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:51 AM
About FS Bancorp Inc(FSBW)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
FS Bancorp, Inc. is a bank holding company for 1st Security Bank of Washington providing banking and financial services to local families, local and regional businesses, and industry niches. The company is headquartered in Mountlake Terrace, Washington.